Regular season wise: I feel like we beat Iowa (by a lot) and OSU (by a little), but lose to both PSU and Maryland in close games.

If OSU is the #1 seed, I think we can make it to the finals. However, I can't see Michigan beating Purdue or MSU in the BTT (for State, the reason is mostly that we'd be playing them after 3 games in 3 days).

I'd disagree on this one. Besides Michigan and Ohio State, Wisconsin's fanbase for the two revenue sports combined is probably the strongest overall in the conference. And unlike Michigan, they don't have any true, threatening rivals that can depress morale with a dominant stretch.

However, am going to stop more liquid contributions to mutual funds for a bit. That's money I'll probably be using within a couple years (although, not within 1-2 years) so I'm a little more cautious with it.

Agree with you about short term, but I'm talking more medium term. Likely 3 or 4 years.

In terms of savings account, I'd highly recommend a Discover Savings account. All online and the current rate is 1.4%, which blows most banks out of the water (you can still withdraw up to 6 times per month, no limit of the amount).

At this point, isn't it do or die in terms of getting a win against Notre Dame? You have to think we're not going to make the tournament if we go 0-8 against Notre Dame and Ohio State throughout the season.

I'm still in my early-mid twenties, so the retirement accounts are not of much concern to me with 35 years to go; I've been putting about 10% of each paycheck into retirement accounts since I started working a year and a half ago.

I'm slightly more concerned that, of my non-retirement money, about a third of it is in mutual funds, and it's taken a decent hit. Should be fine though. That's money I'm hoping to use in 2-4 years to buy property for the first time. Probably will stop contributing to it for a few months to wait and see. In a way, it might actually be best if for me personally if the market falls more heavily so I can shift some of the 2/3rd that's just in savings/CDs towards the market at lower prices.

Michigan/Harbaugh are the easiest big name program to negative recruit against.

"All flash, zero substance" is unfortunately highly accurate to describe his tenure; when you make that many headlines for superficial things but haven't won a big game in three years, the good recruits won't come.

2015 was fantastic given the turnaround/context, but viewed on a raw scale without context, 9-3 with two home losses to rivals, one of which was the worst in history, is not "very good".

Given the boatload of talent in 2016, losing 3 of our last 4 was disappointing. Solid year, but not "very good" considering what it could've been and yet another loss to OSU.

If Harbaugh had beaten OSU in 2016, the 8-5 2017 would've mattered far, far less. It may not be fair, but it's true.

The problem is that we haven't won anything to help with the patience. Even mediocre teams (i.e. Iowa) typically win one big game every year or so that helps them weather the bad losses. Michigan has no such thing; we haven't won a game as an underdog under Harbaugh's tenure.